OldShooter
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Two or three years ago I had been referring to target date funds generically, implicitly assuming that they were all the same. Then I started looking under the hood at some and discovered that their AAs and the AA trajectories can be wildly different. Extreme example here: https://www.reuters.com/article/us-...ers-on-risky-path-to-retirement-idUSKBN1GH1SI... The target-year funds have been extremely disappointing, I retired last year and was depending on their income (their description says that their highest goal is to provide income after reaching their target year), but they only paid out $251 (semi-annual income) this past June. I was so horrified, if their income is as unpredictable as stock prices I feel I can do better just using the money to buy bonds. ...
So, rather than abandon target date funds completely, you might want to take a look under the hood of the ones you mention here plus some offered by other firms. Remember too, that your target date choice doesn't have to relate to anything else. Want more conservative AA? No problem, buy a fund with a date closer to today. More aggressive? Buy a fund with a target out a few extra years.